Southern Bank of Tennessee: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 9.01% +0.01 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $46.1M | 46,086 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $511.7M | 511,729 | RCOAA224 |
| Recomputed ratio | 9.01% | numerator / denominator | |
| Filed ratio | 9.01% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.01 pp | $30K | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 33,164 | 33,164 | 32,517 | 32,517 | 32,276 | 32,532 | RCOAP742 |
| Retained earnings | 16,329 | 15,684 | 14,563 | 13,174 | 12,281 | 11,126 | RCOAKW00 |
| Accumulated other comprehensive income | (820) | (734) | (786) | (907) | (1,147) | (1,107) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 48,673 | 48,114 | 46,294 | 44,784 | 43,410 | 42,551 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (2,587) | (2,673) | (1,583) | (1,462) | (1,222) | (1,262) | P859 - P840 |
| Common equity Tier 1 capital | 46,086 | 45,441 | 44,711 | 43,322 | 42,188 | 41,289 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 46,086 | 45,441 | 44,711 | 43,322 | 42,188 | 41,289 | RCOA8274 |
| Tier 2 capital | NA | 3,703 | 3,685 | 3,571 | 3,491 | 3,346 | |
| Allowance includable in Tier 2 capital | NA | 3,703 | 3,685 | 3,571 | 3,491 | 3,346 | |
| Total capital | NA | 49,144 | 48,396 | 46,893 | 45,679 | 44,635 | |
| Total risk-weighted assets | NA | 383,675 | 370,738 | 374,128 | 364,677 | 375,190 | |
| Average total assets for the leverage ratio | 511,729 | 478,734 | 476,900 | 471,149 | 467,814 | 456,297 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 9.01% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 11.84% | 11.84% | 12.81% | 9.49% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 12.06% | 12.06% | 13.05% | 9.38% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 11.58% | 11.58% | 12.53% | 9.20% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 11.57% | 11.57% | 12.53% | 9.02% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 11.00% | 11.00% | 11.90% | 9.05% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 11.50% | 11.50% | 12.43% | 9.02% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 11.90% | 11.90% | 12.82% | 9.13% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 12.42% | 12.42% | 13.37% | 9.30% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 12.92% | 12.92% | 13.90% | 9.64% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 13.59% | 13.59% | 14.59% | 10.32% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 13.53% | 13.53% | 14.52% | 10.47% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Southern Bank of Tennessee (this bank) | CBLR | NA | NA | NA | 9.01% | |
| Profinium, Inc. | $533.1M | Risk-based | 13.17% | 13.17% | 14.42% | 10.17% |
| American Bank, N.A. | $533.0M | Risk-based | 11.95% | 11.95% | 13.13% | 10.68% |
| Bank of Lake Mills | $533.8M | Risk-based | 12.81% | 12.81% | 13.29% | 11.24% |
| The Murray Bank | $534.1M | CBLR | NA | NA | NA | 9.96% |
| Huntington Federal Savings Bank | $532.3M | CBLR | NA | NA | NA | 15.07% |
| Shoreham Bank | $534.8M | Risk-based | 12.73% | 12.73% | 13.99% | 10.65% |
| Fifth District Savings Bank | $531.8M | Risk-based | 38.90% | 38.90% | 39.48% | 21.41% |
| Enterprise Bank of South Carolina | $535.1M | Risk-based | 15.47% | 15.47% | 16.13% | 9.26% |
| First State Bank of St. Charles, Missouri | $535.2M | Risk-based | 15.77% | 15.77% | 17.01% | 15.65% |
| The Peoples Bank | $531.1M | Risk-based | 15.52% | 15.52% | 16.77% | 9.29% |
| Peer 25th percentile | 12.79% | 12.79% | 13.81% | 10.01% | ||
| Peer median | 14.32% | 14.32% | 15.27% | 10.66% | ||
| Peer 75th percentile | 15.58% | 15.58% | 16.83% | 14.11% | ||
| This bank's percentile | NA | NA | NA | 0 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/2793593/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.